TRICARE Georgia: Plans, Providers, and Regional Info | TRICARE.com

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## TRICARE in Georgia Georgia is a key part of the **TRICARE East Region**. Under the current T-5 contract, the regional contractor for Georgia is **Humana Military**, which manages the provider network and claims processing for the thousands of service members and veterans stationed in the Peach State.

## Major military installations Georgia is home to some of the largest and most vital military installations in the United States, providing a robust network of Military Treatment Facilities (MTFs) for beneficiaries.

* **Fort Moore (formerly Fort Benning):** Army – Columbus * **Fort Eisenhower (formerly Fort Gordon):** Army – Augusta * **Fort Stewart:** Army – Hinesville/Savannah * **Hunter Army Airfield:** Army – Savannah * **Robins Air Force Base:** Air Force – Warner Robins * **Moody Air Force Base:** Air Force – Valdosta * **Naval Submarine Base Kings Bay:** Navy – St. Marys * **Marine Corps Logistics Base Albany:** Marine Corps – Albany

## Plans available in Georgia Standard TRICARE plans are available throughout Georgia, though access to "Prime" depends on your proximity to a Prime Service Area (PSA), usually near a major base.

| Plan | Best For... | | :--- | :--- | | **TRICARE Prime** | Active duty and retirees near bases (Fort Moore, Stewart, etc.). Low out-of-pocket costs with managed care. | | **TRICARE Select** | Those who want to choose their own doctors and don't mind higher 2026 deductibles. | | **TRICARE Reserve Select (TRS)** | Qualified National Guard and Reserve members living anywhere in Georgia. | | **TRICARE Retired Reserve (TRR)** | Retired Guard/Reserve members under age 60. | | **TRICARE For Life (TFL)** | Dual-eligible retirees (Medicare + TRICARE) regardless of location. | | **TRICARE Young Adult (TYA)** | Adult children up to age 26 who are not eligible for their own employer insurance. |

*Note: The US Family Health Plan (USFHP) is not currently available in Georgia.*

## Finding care in Georgia Georgia beneficiaries have two primary ways to access care:

1. **Military Treatment Facilities (MTFs):** Many Georgia residents receive primary care at facilities like **Winn Army Community Hospital** (Fort Stewart) or **Dwight D. Eisenhower Army Medical Center** (Fort Eisenhower). 2. **Civilian Network:** Use the **Humana Military Provider Directory** to find "network" providers in cities like Atlanta, Macon, or Valdosta. Choosing a network provider results in lower cost-shares than using a non-network provider.

**Telehealth:** Georgia residents can access 24/7 care through the MHS Nurse Advice Line or scheduled virtual appointments via Humana Military’s telehealth partners (Doctor On Demand or Telemynd).

Common questions for Georgia beneficiaries

**I am PCSing to Fort Moore from California. What do I do?** Since you are moving from the West Region (TriWest) to the East Region (Humana Military), you must update your address in DEERS and contact Humana Military to transfer your enrollment. Do not wait until you arrive to start this process.

**How does TRICARE work with Georgia Medicaid?** By law, TRICARE is the secondary payer to most health insurance plans, but it is the primary payer to Medicaid. If you have both, the provider must bill TRICARE first; Georgia Medicaid is always the payer of last resort.

**Can I use any doctor in Atlanta?** In the Atlanta metro area, which is significantly distant from major MTFs, most beneficiaries use TRICARE Select to access private specialists. Under TRICARE Prime, you may be restricted to specific network providers or required to travel if a military facility is within the driving distance standards.

## Sources * **TRICARE East Region Contractor:** [HumanaMilitary.com](https://www.humanamilitary.com) * **Official TRICARE Plan Information:** [TRICARE.mil](https://www.tricare.mil) * **Defense Health Agency (DHA):** [health.mil](https://www.health.mil) * **Express Scripts Pharmacy:** [militaryrx.express-scripts.com](https://militaryrx.express-scripts.com)